Senior Diversified Relationship Manager

The Diversified Relationship Manager is responsible for developing and managing complex relationships with privately held operating businesses across a broad range of industries, providing commercial credit and banking solutions that support working capital, equipment, acquisition, expansion, and other business financing requirements. The role is responsible for delivering value-added financial advice, developing new business, structuring appropriate lending solutions, and managing member relationships throughout the credit lifecycle.

The Senior Relationship Manager is expected to operate with a high degree of independence and exercise advanced credit judgment in managing complex commercial relationships and transactions. The role provides well-supported recommendations on higher-risk situations, material policy exceptions, acquisitions, succession, expansion, restructuring, and other matters requiring senior expertise.

Success requires demonstrated relationship-management and business-development results, advanced credit capability, broad commercial knowledge, and the ability to strengthen team capability through mentorship, constructive challenge, and leadership on significant files and initiatives.

KEY AREAS OF RESPONSIBILITY:

Member Experience & Strategic Relationship Management

• Build and maintain strong, trust-based relationships with significant commercial members across diversified industries.
• Act as a senior trusted advisor by developing a comprehensive understanding of each member’s business, financial position, strategic goals, risk profile, and changing banking needs.
• Provide timely, practical, and strategic advice throughout the relationship and coordinate internal resources to deliver a consistent member experience.
• Conduct business site visits to support informed credit and relationship decisions.
• Represent BVCU professionally within the business community and strengthen BVCU’s market presence.

Commercial Credit & Portfolio Management

• Lead the assessment and structuring of complex commercial credit by applying advanced financial analysis, sound credit judgment, and a comprehensive understanding of repayment capacity, security, industry conditions, and other relevant information.
• Structure and negotiate lending solutions that appropriately balance member objectives, pricing, profitability, portfolio considerations, and risk.
• Prepare or oversee complete, well-supported credit submissions for complex lending requests and provide senior recommendations to Credit Committee or other approval authorities as required.
• Work collaboratively with Commercial Lending Analysts while remaining accountable for member strategy, transaction structure, the quality and completeness of credit submissions, and recommendations presented for approval.
• Provide proactive oversight of assigned relationships and take timely action in response to financial deterioration, emerging risk, or changing member circumstances.
• Exercise lending authority as assigned and provide clear, independent, and well-supported recommendations on matters requiring senior credit judgment.

Business Development & Full Relationship Growth

• Originate high-quality commercial relationships through proactive business development, referrals, professional networks, branch partnerships, community involvement, and market presence.
• Develop strategic, multi-product relationships with accountability for appropriate growth across lending, deposits, operating banking, cash management, payment, and ancillary services.
• Identify opportunities to deepen member relationships through operating facilities, term financing, equipment financing, acquisition and expansion financing while ensuring solutions are appropriate to the member’s needs and provide sustainable value to both the member and BVCU,
• Develop and maintain strong relationships with professional advisors, industry participants, and other referral sources that support member service, market presence, and portfolio growth.

Senior Credit Leadership & Team Development

• Act as an escalation and technical resource for Relationship Managers and Commercial Lending Analysts on complex credit, transaction structuring, policy interpretation, difficult negotiations, and emerging portfolio risks.
• Provide coaching, mentorship, and constructive challenge that strengthens credit judgment, relationship-management capability, and consistency of practice.
• Lead significant transactions, portfolio reviews, process improvements, and special initiatives requiring senior commercial banking expertise.
• Support the VP, Commercial Banking in the development of diversified-market strategy, portfolio-management practices, and market-building initiatives.

Commercial Knowledge & Risk Management

• Maintain advanced knowledge of commercial operating cycles, industry conditions, security, and other factors relevant to credit risk and member performance.
• Apply economic and industry knowledge to strategic member advice, complex credit assessment, and portfolio oversight.
• Provide senior judgment on deteriorating relationships and develop appropriate collection, restructuring, remediation, or workout strategies.
• Identify broader or emerging portfolio risks and contribute to timely strategies that protect BVCU while supporting responsible member outcomes.

Operational Excellence

• Apply BVCU policies, procedures, approval conditions, regulatory requirements, privacy standards, and sound business practices in all activities.
• Maintain complete, accurate, timely, and audit-ready credit and relationship files.
• Contribute to the development and continuous improvement of commercial lending practices, policies, procedures, templates, reporting, and member service.
• Participate in training, meetings, projects, pilots, and organizational initiatives aligned with BVCU’s strategic direction.
• Perform other responsibilities consistent with the purpose and accountabilities of the role.

Teamwork & Collaboration

• Contribute to a positive work environment that encourages accountability, teamwork, mutual respect, and knowledge sharing.
• Collaborate with Commercial Lending Analysts, Administration, branches, Credit, Operations, and other departments to support timely credit decisions and a seamless member experience.
• Maintain awareness of the responsibilities of other Relationship Managers and provide appropriate team coverage and support.
• Participate in ongoing professional development and share knowledge that strengthens commercial lending capability across BVCU.
• Prioritize health and safety and maintain confidentiality, discretion, and professional conduct.

CORE EFFECTIVENESS SKILLS:

• Advanced communication and interpersonal skills, with the ability to build trusted relationships and communicate complex credit matters clearly and credibly.
• Advanced financial analysis, credit judgment, critical thinking, problem-solving, and risk-assessment capability.
• Demonstrated success in relationship management and business development, with a strategic and commercially minded approach.
• Strong knowledge of commercial lending, operating-company finance, security, industry risks, and financial management practices.
• Ability to operate with a high degree of independence and lead complex negotiations and credit discussions.
• Ability to coach and mentor colleagues and provide constructive challenge.
• Strong organization and ability to lead multiple complex priorities and deadlines.
• Proficiency with Microsoft Office and the ability to learn banking, credit, and workflow systems; experience with DNA and Valeyo is an asset.

EDUCATION & QUALIFICATIONS:

• Post-secondary education in business, finance, accounting, economics, or a related discipline is preferred; an equivalent combination will be considered.
• Significant progressive experience in commercial banking, commercial credit, financial services, accounting, or a related field.
• Demonstrated success independently managing complex commercial relationships, originating new business, and leading complex credit transactions.
• Advanced capability in credit analysis, transaction structuring, relationship management, portfolio management, negotiation, and business development.
• Advanced working knowledge of lending documentation, security, credit policy, legislation, and applicable regulatory requirements.
• Experience mentoring or providing technical guidance to Relationship Managers, analysts, or other commercial banking employees is an asset.

THE FINE PRINT:

• This position is in Cochrane, Alberta.
• This is a full-time position, 37.5 hours per week.
• Working Hours: Monday – Friday 8:30am to 5:00pm.
• Office setting with extended computer use, sitting, reaching, standing, minimal lifting, and walking.
• Moderate mental effort with periods of high-volume workload, competing deadlines, complex credit analysis, and time-sensitive funding or documentation requirements.

APPLYING WITH BVCU:

BVCU is strongly rooted in the communities we serve and have built considerable success by delivering exceptional service and products to our members to help built a strong financial future. We take great pride in the communities and are committed to helping them thrive. Total compensation includes Flex Days, vacation, RRSP program, and benefits, including an HSA/Flex Spending Account.

At BVCU, we are committed to providing an environment of mutual respect where equal employment opportunities are available to all applicants without regard to race, colour, religion, sex, and all other characteristic protected by law. We believe that diversity and inclusion is critical to our success, and we seek to recruit, develop, and retain our talent from a diverse candidate pool. The credit union reserves the right to change job accountabilities and responsibilities as business needs dictate.

BVCU thanks you for your application, but we will only be contacting successful applicants. No phone calls please.